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Seeking energy company with lower credit score criteria than BG
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Hi all,
I recently bought my first house and the gas and electricity is paid through prepaid cards rather than monthly direct debits.
I phoned British Gas to have this changed and was told I did not pass the credit check. So I set up an Experian account to have a look. The only things going against me is that the average age of my credit is 24 months and I have opened two forms of credit in 6 months (credit card and mortgage). My score is 821 and the man at BG said their criteria was very high and in the 900s.
Do you know of any companies which have a lower credit scoring criteria? I pay my credit card off every month and I'm never in my overdraft and have never been late for any bill. So I can only see my score increasing.
Thank you in advance for any help.
I recently bought my first house and the gas and electricity is paid through prepaid cards rather than monthly direct debits.
I phoned British Gas to have this changed and was told I did not pass the credit check. So I set up an Experian account to have a look. The only things going against me is that the average age of my credit is 24 months and I have opened two forms of credit in 6 months (credit card and mortgage). My score is 821 and the man at BG said their criteria was very high and in the 900s.
Do you know of any companies which have a lower credit scoring criteria? I pay my credit card off every month and I'm never in my overdraft and have never been late for any bill. So I can only see my score increasing.
Thank you in advance for any help.
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Comments
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Switch to EDF on your pre-payment meters. You will be sent new card/key etc. Stay with them for 28 days and EDF will swap your meters for free and with no credit check. Then you are free to switch to whatever supplier you choose.
Switch each time with an energy comparison website via Quidco or Topcashback and get some cash each time.0 -
Why are you restricting yourself to BG only? Find the cheapest tariff on any comp site and then ask the supplier to do a meter switch in return for your custom.No free lunch, and no free laptop
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Why are you restricting yourself to BG only? Find the cheapest tariff on any comp site and then ask the supplier to do a meter switch in return for your custom.
Not restricting to BG, looking to get away from them. But I didn't want to keep being denied from companies with high credit criteria.0 -
Switch to EDF on your pre-payment meters. You will be sent new card/key etc. Stay with them for 28 days and EDF will swap your meters for free and with no credit check. Then you are free to switch to whatever supplier you choose.
Switch each time with an energy comparison website via Quidco or Topcashback and get some cash each time.
Agreed. EDF is the company for you. They supply my electricity and gas and I'm very happy that they don't, so far as I know, report my account to the CRAs.0 -
I am with ebico and I spoke to sse who supply them with gas and electric today and I failed there credit check, I know I haven't got a great credit history but I have no idea what they score you.0
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